325 Collins Ferry Rd LOT PTGladysVA24554
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 325 Collins Ferry Rd LOT PT, Gladys, VA, 24554 in Gladys earns a 9.29% gross yield at $125,900. Rent of $975/mo nets $222/mo after the $566/mo mortgage. The 1.72 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $34,784 and $1,160/yr in equity accumulation project a total cumulative return of $61,958.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $222 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $975 |
| Total Monthly Debt Service | $703 |
| DSCR Ratio | 1.39x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1999
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24554, Gladys, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,940 (100%) |
| Owner Occupied HU | 1,394 (71.9%) |
| Renter Occupied HU | 328 (16.9%) |
| Vacant Housing Units | 218 (11.2%) |
| Median Home Value | $195,339 |
| Average Home Value | $219,946 |
Housing Distribution
Address Breakdown
Residential
1,739
Single Family
1,739
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1999
3 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 24554, Gladys, VA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,940 (100%) |
| Owner Occupied HU | 1,394 (71.9%) |
| Renter Occupied HU | 328 (16.9%) |
| Vacant Housing Units | 218 (11.2%) |
| Median Home Value | $195,339 |
| Average Home Value | $219,946 |
Housing Distribution
Address Breakdown
Residential
1,739
Single Family
1,739
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices